Tales from the road less traveled

We're on the road from Debt to Financial Independence. Our passengers include Momma (me), Wes (my husband) and our six children. The road promises to be long and interesting.

Thursday, April 10, 2008

This week's Grocery Game, and some other stuff

Every day, the first thing I do when I log in is check out my favorite blogs (listed to the right). First up is Mommy Gets PAID. She lists freebies and surveys and other really cool deals every day. So, I always go get my free stuff first thing! Yesterday, she had a link to a coupon for a free Scotch Brite toilet cleaning starter kit. Normally, I wouldn't buy something like that, but my 10 year old cleans their bathroom and I thought it might be nice for her to have something easier to use.

This week's Grocery Game lists resulted in:
Publix:
Original Price - $34.34
Price Paid - $14.53
Savings - $19.81 or 58%

Kroger:
Original Price - $221.24
Price Paid - $108.96
Savings - $112.28 or 51%

Total spent on this week's groceries: $123.50
Snowflake for debt: $26.50

Received Register Coupons:
$1.00 on two Maple Grove Farms Sugar Free Syrup
$2.00 on any size Purina Fit&Trim Dog Food
$5.00 off (plus free shipping on orders over $39.00) for 1-800-PetMeds
*****Use Code:DOG46 - Expires 06/04/08

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Friday, March 28, 2008

Part 1 - The Joneses and Clothing

Get a cup of coffee and something to nibble, pull up a chair and get comfy. My friend asked for the impossible and I do love a challenge. I recently posted a request for article ideas on my Journal. The first suggestion was “Can you explain how to save money while still raising a family and trying to keep up with what society seems to think a family needs to have?” Well, sure! Why didn’t I think of that? After all, I am trying to save money and raise a family too.

First of all, just who is Society and why should we be keeping up with them? If, by Society, you mean the people who would have you believe you need the latest item to hit the shelves and receive a full media onslaught of advertising, the easy answer is you DON’T need to keep up with them.
-- My children don’t need the latest marshmallow/sugarfest box of cereal to hit the shelves. – Oatmeal and whole wheat versions of no-name cereals work just fine.
-- My husband doesn’t need the newest version of the Blackberry or iPhone. – The phone he has still works, receives his emails, allows him to text and make calls and performs all the functions he needs to for work.
-- I don’t need that new workout suit because I go to the gym now. – My sweats and t-shirts may not be glamorous, but they do the job.

We don’t need to succumb to the peer pressure of keeping up appearances. Paid Twice wrote an article that really resonated with me. In it, she explains that “There is no shame in not being able to afford it.” This article blew me away! How do we let people shame us into feeling like our self-worth is tied to our stuff? As My Two Dollars so succinctly put it, “You are not your stuff.” Do THEY really shame us, or do we do it to ourselves? Do THEY really care?

That said, living well on less money is still possible. Just because you don’t want to “Keep up With the Joneses” doesn’t mean that you can’t live a comfortable life.

Clothing:
It's possible to dress nicely and in name brand clothes for extremely reasonable prices by just changing the way you look at your shopping. There are three ways to do this, in my opinion.

-- If you absolutely must have new clothes, the First Tier, and often most expensive, option is to shop at discount stores. There are great clothes for exceptional prices at Ross, Marshall's, or Burlington Coat Factory's clearance racks. I've shopped at all of them with mixed success.

-- The Second Tier option is to try consignment shops. Plato's Closet has locations in 37 states and is widely known for name brand clothing for a fraction of the price. Many of their clothes still have the tags on them and have never been worn. Another great consignment chain, for children, is Children's Orchard, and they have locations in 22 states.

-- If the Internet is more of your shopping preference, the Third Tier is your option! You can often find fabulous deals at Ebay, Gently Used, or Penelopepup's Vintage Clothing, to name a few. For even cheaper options, you can get clothes, in current styles, for next to nothing at Swango's awesome clothing swap!

I'm an advocate for Tier Two and Tier Three options for clothing, because ReUse is far more effective than Recycle. Keeping things out of landfills should be part of anyone's frugal living plan.

In the next post, I'll be focusing on other areas of (more) frugal living while raising a healthy family. Hang tight, I've got more babbling to do!
Momma

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Wednesday, March 19, 2008

The Grocery Game - Unexpected Benefits

I posted last week about The Grocery Game. Since then, I've come to believe it's the smartest move ever!


The Investment
Cash
Each week, I spend $2.35 on a double edition of the Sunday Atlanta Journal Constitution. This gives me two sets of the week's coupons. The cost of the website is $20 every 8 weeks ($10 for the first store and $5 for each additional). So, for the service, I spend $2.50 or $.83 per store per week.
Total expense per week: $4.85

Time
I spend 30 minutes reviewing the list for each store on the Grocery Game website and checking the boxes of the items I'll be purchasing. I choose the option of hiding all of the items I'm not choosing, as well as all supplemental notes on the page, and print the pages.
Then, I get out the coupons and spend an hour organizing them. This includes:
-Labeling the current week's packet of coupons with the date they came out
-Clipping the coupons* for each grocery list I printed
-Putting the coupons and the list in the envelope**
Total Planning time: 1.5 hours

*I only clip the coupon when I need it. It's incredibly simple to keep up with and makes life easier, as all of the coupons on the Grocery Game are listed with the date and circular that the coupons came from. Instead, I write the date of the circular on the front and then use a large rubberband from the newspaper to hold the stack of circulars, then file them in date order when I'm finished clipping.
** I use one envelope for each store so I don't have to dig through the coupons as I shop. I know exactly what I have with me and exactly what I'm buying, so I only have to take the coupons out at the checkout line.

Shopping
The Publix and Kroger are across the street from one another. The CVS is on my way ho me. So, I stop at Publix first, drive across the street to Kroger, then hit CVS on the way home. I make one small circle and there is no running all over town.
Total Shopping Time: 1.5 hours, including driving.

Special note on the shopping time: I now shop with lists, so I don’t forget anything. I no longer have to stop at the store during the week, which saves me about an hour or so every week. This evens out the planning/clipping time completely.

The Benefits
Cash
Between the sales, the coupons, gas, and not stopping the store during the week to pick up random things and adding impulse buys, I save about $100 - $150 a week.

UPROMISE
SO many of the name brand items that I have coupons for are also UPromise items. These are things I would never buy the name brands of before it was exceptionally more affordable. (Rice A Roni for $.12 a box this week.) Not only do I get the food at insanely low prices, but I get a percentage of the original price applied to the children’s UPromise accounts.

School Donation
Another benefit of being able to buy name brand items at incredibly low prices are the Boxtops For Education labels. A good percentage of items I have coupons for have these labels. Our PTA program receives $.10 for every Boxtop redeemed. This is not a direct benefit to me, but it definitely helps out our children.

Other Donations
There are, often times, coupons and sale prices that combine to make the price of the items FREE. Except that, some of these free items, no matter how great, are not a good fit for our family. Diapers, Formula, and Cat Food are not items we will ever need. Wes is allergic to cats, and our baby days are far long gone. Rather than let these deals go to waste, I go ahead and get the free items and donate them to animal and people shelters. If one wanted to work the system, these donations are tax deductible at market value. I haven’t done this, but if it turns out that I make enough of these donations, I may just go for it.

I'm sure I'll post about this again, as I get ramped up. But, let me just say that my freezer and pantry are filling up. There is less money going out the door for food. My children are loving the variety of new things I'm stocking, and I'm saving enough money that I don't have to scrimp when it comes to rising food prices on fruit, milk, eggs, and meat.

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Wednesday, March 12, 2008

The Grocery Game

Well, I've been reading about the Grocery Game for quite some time now. I'm happy to report that I decided to give it a try. I signed up for the 4 week trial for $1. Last night, I did the grocery shopping, using the Grocery Game's "game rules". Here are this week's results:

Store --- Full Price --- Savings --- Total Paid --- % Savings
Publix ---$71.00 ---- $43.93 ----- $27.07 ------ 62%
Kroger --$161.63 ---- $71.41 ----- $90.22 ------ 45%
CVS -----$42.09 ----- $23.74 ---- $18.35 ------- 56%

Total Spent: $135.64
Total Bdgt Wk: $150.00
Total to "Snowflake": $14.36

YAY for my first official Snowflake.

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